Looking for a property?

First, search rates and determine the best loan for your needs, then apply. (Keep in mind you can always change the rate and loan program later.)

Second, we will process & underwrite your loan. Your loan will be approved subject to final appraisal, income verification and title inspection.

Third, receive our Pre-Approval certificate in your email and shop for your new home.

Found a property?

First, forward a copy of your purchase and sales contract to Certafund. Lock in your interest rate on the product of your choice.

Second, sign and complete the following.

• TMG Client Agreement - Authorizes, Certafund to obtain credit information and share with the various lenders.
• Form 10 - Conflict of Interest Disclosure Statement (BC Registrar of Mortgage Broker's form) - Discloses that TMG and Certafund are paid by the lender
• Salary Letter - Certification provided by your employer which confirms your salary and status with the company.
• Open / Fixed Disclosure Form of Credit - States the APR of the loan, and all costs associated with arranging the loan.
• Gift Letter - If the down payment is being gifted to you, you will need a letter from the person who is giving you the money to sign this letter.
• Bank Statements – If required by lender, you may be asked to provide 3 -12 months worth of bank statements.
• Notice of Assessment – If required by lender, you may be asked to provide a copy of your last 2 years of NOA to verify either your income, or that you have no taxes owing.